Smart Life Financial is here to help you live smart and retire with confidence. We utilize many retirement planning strategies depending on your situation, and we have a special focus on 1) helping you retire tax-free, 2) never outliving your money, and 3) passing on tax-advantaged wealth to the next generation. Let’s get started!
Live Smart —
Retire with Confidence
helping you with tax-optimized retirement strategies
finding ways to help ensure you never outlive your money
passing on tax-advantaged wealth to the next generation
We believe everyone
should have an amazing retirement plan for free.
Without changing your current budget, we will develop a retirement plan for you at no charge. Our plans are no-fee, and you can take them and implement them, or you can work with us. We are committed to improving people’s lives through effective retirement planning.
Services
Tailored to You
The custom plans we develop for clients include services tailored and scaled to you, based on your retirement goals. Want to sail around the world? Visit your grandchildren every month? Stay at home and putter around the garage, garden or kitchen? Our plans start with your retirement dreams, and these are just some of the services we might utilize to help you achieve your lifestyle goals.
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Who We
Serve
Our clients are intelligent investors, typically 30-70 years old, who are interested in implementing a tax-advantaged financial strategy to help ensure a more prosperous and secure retirement. In addition to couples, individuals and families, we also have deep experience with business owners and a special focus on federal employees. Our tax-advantaged retirement planning concepts and strategies can scale up or down depending on your personal situation—our plans are customized to each client!
What Our Clients
Say About Us
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Scott's help has completely changed my opinion of financial planning. His proficiency, demeanor, and ability to tailor a strategy that will work for me. Scott took time to learn... read more
Colin Hobbs
May 3, 2024 -
Scott has been great so far! He always makes time for my questions and thoroughly explains concepts that I find hard to understand
CANDACE AIKENS
April 3, 2024 -
It has been great to work with Scott! He has listened to our retirement goals and has answered all our questions! Looking forward to seeing the plan that... read more
Jenny Socha
April 3, 2024 -
Scott, is very knowledgeable and really cares about your finances and your future. He is always there if you have questions or need help!!!
Jackie Szekers
April 3, 2024 -
My husband and I worked with Scott. He explained things to us in an easy to understand and beneficial way. We have learned a great deal and have secured... read more
Cindy Sabourin
April 3, 2024 -
Very good at explaining the benefits of have some of my retirement funds invested in annuities. I still have a stock market based retirement fund, but the annuity he... read more
Andria Schurman
April 3, 2024 -
I am a truck driver that lost everything in an unfortunate business deal and had to start over at 45 years of age. Scott has been great with getting me... read more
Michael W
April 3, 2024 -
I met Scott through a Thrift Savings Recovery program on FB. From the beginning, he had a very vested interest in educating me on the best route to take... read more
Mathew Willing
April 3, 2024 -
Very informative and knowledgeable. Thanks to Scott and his help I’ve recovered losses from previous retirement products. He takes the time to explain and help you understand products that are... read more
Deborah Lira
April 3, 2024 -
Our experience with Scott from was exceptional. Scott not only provided expert financial guidance but also took the time to educate us thoroughly, ensuring we felt confident in our understanding... read more
Aimee Myhre
April 3, 2024
Solving Retirement Problems with
Retirement Planning
Retirement is riddled with risks, including stock market crashes, like the one we saw in the global recession of 2008 when so many retirements were completely wiped out. Another risk faced by people with large retirement accounts like traditional 401(k)s, TSPs, 403(b)s and 457s is future income taxes during retirement. In 2026, tax brackets are set to go up, so you may have saved a lot less for retirement than you think! This plus inflation, potential Social Security cuts, high health care costs, and more, demands innovative, tax-advantaged retirement planning well before you plan to retire.
Tailored to YouTax-Advantaged Retirement Planning in
4 Easy Steps
Our specific step-by-step approach is utilized with all of our clients to help us develop the best possible customized retirement plan for you. Our mission is to grow your money, accelerate your wealth using proven tax strategies, and pass on tax-advantaged multigenerational wealth.
Setting up your first free consultation is easy and comes with no obligation. Our first call is your first step towards planning your tax-advantaged retirement.
Call us:
(952) 234-6086
Email us:
info@smartlifefinancial.com
Schedule Online
The second step in our process is another online meeting where we take a deep-dive into your current financial situation and discuss exactly where you see yourself in retirement including where and how you plan to live. Depending on your retirement lifestyle goals and current savings, we’ll begin defining how much monthly retirement income you may need to achieve your objectives. If you are a business owner, our agenda will revolve around your goals for selling or handing down the reins, or dozens of other things we may need to discuss.
The third step in our process is where Smart Life Financial goes to work to create a custom retirement plan for you (or a business succession plan if you are a business owner) based on your goals and objectives. As an independent firm, Smart Life Financial has access to hundreds of strategies to help you mitigate taxation, generate lifetime income, and pass on tax-advantaged wealth to the next generation which we can use to build your plan.
The fourth and final step is where we present you with a comprehensive plan designed to achieve your desired future. If you love the plan, final adjustments will be made, documents will be executed, and you will begin your journey! And remember, your plan is a living document. Through the years, we will go through the entire process again as your family, life, goals, and circumstances change.
Featured Blog Posts —
Retirement Resources
At Smart Life Financial, we are passionate about consumer education, giving back to the community, and helping others with financial information they may need but might not have been able to get anywhere else. Retirement Insights is our blog with articles covering financial matters, actionable tips, new legislation and more. Calculators are a great way to explore your retirement readiness, and our downloadable whitepapers can give you more in-depth information about retirement issues.
No-Fee Retirement Plans
Contact Us
At Smart Life Financial, we want to hear from you as soon as possible! Initial consultations are always free and without obligation, so what are you waiting for? Send us this form today and let’s get started.
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